schedule of bank charges (exclusive of fed) effective from january 01

of 25

Sight/DA Letter of Credit Opening Commission.

Annual volume during a calendar year

1st Qtr or part thereof

Each sub Qtr or part thereof.

Minimum Amount per LC

a Upto Rs.25 M 0.40% Per 0.25% Per

FED Applicable

INTERNATIONAL BANKINGIMPORTS

SCHEDULE OF BANK CHARGES (EXCLUSIVE OF FED) EFFECTIVE FROM JANUARY 01, 2016 TO JUNE 30, 2016

ChargesDescription

Rs.2,000/- per LC

Part-A1

a Upto Rs.25 M 0.40% Per Quarter

0.25% Per Quarter

b Exceeding Rs. 25 M to Rs.50 M

0.35% Per Quarter

0.20% Per Quarter

c Exceeding Rs. 50 M toRs.100 M

0.30% Per Quarter

0.20% Per Quarter

d Above Rs.100 M Negotiable Per Quarter

Negotiable Per Quarter

e NO

Rs.2,000/- per LC

Note:- a) (i) If concessional rates are approved by the Functional Head, these are subject to the fulfilment of requirements mentioned in para # (ii) below, otherwise full rate shall be charged.(ii) Projected Annual Volume to be ascertained and approved by Functional Head. (iii) Commitment letter to be obtained from the customer for recovering "Difference" in commission arising out of

f

YES

Plus : Swift Charges Rs. 1,500/- Flat Courier Charges Rs.1,500/- Flat per item

YESYESYESYES

YES

YES

Note:-b) If party makes payment of Import Bill in Foreign Currency in which LC was opened. (ii) Commission @ 0.12% will be recovered if Foreign Exchange Cover provided by

the client is through another Bank plus Handling Charges Rs.1,000/- Flat

(iii) Commitment letter to be obtained from the customer for recovering "Difference" in commission arising out of shortfall in business volumes at the end of the year.(iv) Branches on the basis of TI Report 2-00A will monitor Import Business against concessional rate and recover Commission if any due to shortfall in the volume of Business.(v) Recovery of commission, if any, due to shortfall in volumes of business will be made by the branches at the end of the year.(vi) Any waiver will be approved by respective Functional Head.

Note:-c) Additional Charges Rs.800/- Flat will be recovered for the issuance of certificate to the remitting bank. This charge will be applicable when Customer arranges remittance through another Bank.

(i) Commission in lieu of exchange @ 0.12 % will be recovered plus Handling Charges Rs.800/- Flat

Note:-d) Where the Importer deposits 100% Cash Margin at the time of opening of L/C, rate of opening commission may YES

YES

g L/C opened under "Supplier Credit", "Pay As You Earn Scheme" - for period over one year.

YES

h L/C opened under "Deferred Payment" - for period over one year.

YES

Note:-e) L/C Commission will also be recovered for un-expired L/C period due to exchange rate fluctuation by virtue of providing forward cover to the customer after opening of L/C.

0.40% per quarter or part thereof upto final payment - Minimum Rs.2,000/- At the time of opening of L/C, commission to be charged on full amount of L/C liability plus interest payable thereon for the period from the date of opening of L/C until its expiry. Thereafter, commission is to be recovered on six monthly basis on outstanding/ reducing liability, as per Schedule of Charges applicable as at that date.

Note:-d) Where the Importer deposits 100% Cash Margin at the time of opening of L/C, rate of opening commission may be reduced by 0.05%.

0.40% per quarter or part thereof upto final payment - Minimum Rs.3,000/- At the time of opening of L/C, commission to be charged on full amount of L/c liability for the period from the date of opening of L/C until its expiry. Thereafter, commission is to be recovered on six monthly basis on outstanding/ reducing liability, as per Schedule of Charges applicable as at that date.

i In case of L/G undertaking to be issued favouring SBP for providing forward cover exchange risk under Suppliers /Buyers Credit "Pay As You Earn Scheme" and "Deferred Payment" L/C on behalf of applicant.

YES

j Non-Reimbursable Letters of Credit under Barter / Aid/ Loans & Authorization to Pay.

YES

L/G commission to be charged @ 1.6% per annum on reducing liability. Minimum Rs.2,000/-

1.0% for first quarter and 0.30% for each subsequent quarter or part thereof. Minimum Rs.1,500/-

Schedule of Charges applicable as at that date.

HBL Trade PowerSight/DA Letter of Credit Opening Commission.

Annual volume during a calendar year

1st Qtr or part thereof

Each sub Qtr or part thereof.

Minimum Amount per LC

a Upto Rs. 20 M 0.35% Per Quarter

0.20% Per Quarter

b Exceeding Rs. 20 M to Rs.40 M

0.30% Per Quarter

0.15% Per Quarterr

Rs.1,200/- per LC

1.1

YES

of 25

FED Applicable


ChargesDescriptionc Contract Registration for Imports

on Consignment basis.YES

d

0.15% Minimum Rs.1,000/- per transaction.

All other applicable / incidental / subsequent charges not mentioned above shall be charged as per the applicable section of the Schedule of Charges.

REVALIDATION CHARGES

Revalidation Commission for expired L/Cs revalidated

YES

TRANSFER OF L/C Transfer of L/C to New Beneficiary

Transfer commission at rates applicable in case of opening of fresh L/C as in (1) above. Minimum Rs.1,500/-

Commission to be recovered from the date of last expiry of L/C until new expiry date, at rates applicable in case of opening of fresh L/C as in (1) above. (L/C commission will be calculated on the amount of liability as per Exchange Rate prevailing on the date of revalidation).Revalidation commission will be charged on acceptance by the applicant to submission of documents against expired L/Cs at negotiating/opening bank's counters.

2

Note:- In case where expired L/C is to be revalidated alongwith its transfer to new beneficiary, then only one charge of (2) above with Minimum

YES

3

Registration of Import Contract

a Registration of Import Contract YES

b Issuance of certificate regarding opening of LC for registration of contract with another Bank for booking of forward exchange cover at Importer's request.

YES

c Contract Registration Fee other than 'a' above.

Upto Rs.75 Million

Handling charges Rs.6,000/- FlatWith SBP in respect of Private Foreign Currency Loan obtained by borrower in Pakistan from Foreign lenders.

4

i

Rs.1,000/- per application flat for LC upto Rs.1 M Rs.1,500/- per application flat for LC over Rs.1 M

Rs.1,500/-. will be applicable.

YESUpto Rs.75 MillionOver Rs.75 Million

d Registered Contract Amendment Commission

YES

L/C Amendment ChargesL/C Amendment Charges YES

NO

b Extension in maturity of Usance Bills under L/C / Contract

YES

Flat Charges Rs.1,000/- If amendment involves increase in amount then Commission will be charged @.0.15% as mentioned above.Note: For Expired Contract Revalidation:- In addition to amendment charges, revalidation commission will be charged as per clause 4c (i) above.

Service charges Rs.1,500/- Flat per bill.

0.20% Minimum Rs.2,000/- irrespective of import volumes.i

Rs.1,200/- Flat per transaction or commission under items (1) or (2) or (3) above, if amendment involves increase in amount and/or extension in period of shipment.

Negotiable - (To be approved by Functional Head) - Minimum Rs.1,500/-

a

Plus : Swift Charges Rs. 600/- Flat Courier Charges Rs.1,500/- Flat per item

5

YES

L/C Retirement Chargesa Mark-up

bi If retired within 10 days from the

date of lodgmentii If retired within 15 days

subsequent to the period at (i) above.

YES

iii If retired within next 15 days after YES

In addition to mark-up as per 6(a), Commission is to be charged as under:

@ 0.20% on purchase price.

Mark-up rate as per Credit Line in PKR is to be charged from the date of debit to NOSTRO Account or PAD Lodgement whichever is earlier till the date of retirement, after adjustment of cash margin, if any.In case of One Off Approval, Mark-up at Contractual rate to be applied from the debit to NOSTRO Account or PAD Lodgement whichever is earlier till the date of retirement, after adjustment of cash margin, if any.


No Commission

6

iii If retired within next 15 days after the period mentioned at (ii) above.

YES@ 0.25% on purchase price.

of 25

FED Applicable


ChargesDescriptioniv If retired after 40 days after the

period mentioned at (iii) above.YES

v Import documents received Directly / Indirectly from the suppliers by the Applicant / Bank

YES


Handling Charges Rs.2,000/= per shipment.

suppliers by the Applicant / Bank without registration of contract and payment made thereagainst

YES

Note b):- No mark up will be charged from the date of negotiation till the date of lodgement of documents received under Import L/Cs, where the payment as per reimbursement arrangement is made to the Negotiating Bank only on lodgment of the documents. Note c):- (i) In case of forced PAD / Liability is created due to non payment of any bill on maturity, commission @ 0.45%

Note a):- Mark-up would not be charged during the intermediary period of negotiation and retirement, if 100% Cash Margin is provided to the Bank at the time of opening of L/C. Please also note that where the importers deposit 100% Cash Margin prior to the date of negotiation, no mark-up will be charged on the Import bill during the intermediary period of negotiation and retirement, but where 100% cash margin has not been deposited, Markup as per Credit Line will be charged after adjustment of cash margin if any. If a party deposits 100% margin after the date of negotiation but before the date of lodgement of documents, Mark-up as per Credit Line will be charged from the date of negotiation till the date of deposit of 100% Cash Margin.

YES

YES

YES

D/A Commission for bills drawn YES

(b) Extra Commission @ 0.15% Minimum Rs.1,000/- per month is to be recovered/ charged for the usance import bills for any period beyond validity of L/C.(Note:- Commission will be recovered after expiry of L/C in advance on quarterly basis if usance period of a bill is beyond 179 days)

(ii) In addition to commission at Note c(i) Mark-up with penalty as per Credit Line will be applied from the date of maturity / creation of forced liability until date of final payment. In case of One Off Approval, in addition to commission at Note c(i) mark-up at normal commercial rate with penalty is to be applied from the date of negotiation till the date of retirement, after adjustment of cash margin, if any.

Negotiable (To be approved by Functional Head).

(a) Rs.1,300/- Flat per bill to be charged at the time of retirement of bills.

Note c):- (i) In case of forced PAD / Liability is created due to non payment of any bill on maturity, commission @ 0.45% is to be recovered (once only) Minimum Rs.2,500/-

If bills are to be drawn at usance under L/C other than Pay As You Earn Scheme and Suppliers/ Buyers Credit and Deferred Payment L/C on yearly basis.

c i

iiD/A Commission for bills drawn under L/C if business exceeds Rs.250 M (P.A.)

YES

d Discrepancy in L/C Documents:- YES

L/C Cancellation ChargesYESNO

Credit Report ChargesNONO

FIM

Credit report on Foreign Suppliers/ Buyers.

Note : In case credit report obtained from external agencies, actual Plus Swift Charges - Rs.500/- or Courier Charges - Rs.1,500/- to be recovered.

(i) Actual (ii) Plus Swift charges - Rs.500/-

L/C cancellation charges(ii) Plus Swift charges Rs.500/-(i) Rs.2,000/- Flat

Negotiable (To be approved by Functional Head).

If discrepancies are found by CTP in import L/C documents, US$ 75/- will be claimed from negotiating bank as per standard clause being stipulated in all L/Cs.

7

8

9 FIMa

i Arrangement of Facilityii On one time Request. YESiii Due to Forced Clearance YESbi Arranged at the time of opening of

D.A L/C.YES

ii One time facility to customer on his request where Bank is not agreeable to deliver documents on D.A basis due to Forced PAD outstanding or any over dues in the account.

YES

Handling charges on Retirement of Import Documents under Sight L/C by keeping the Consignment under Pledge (FIM):-

Nil@ 0.55% of Bill Amount

@ 0.55% of Bill Amount

@ 1.20% of Bill Amount

@ 0.35% of Bill AmountHandling charges of D.A L/C Consignment cleared & kept under Pledge:-

9

the account.

iii Where customer fails to accept documents on first presentation & Bank is forced to clear the Consignment & keep in Bonded warehouse.

YES@ 1.20% of Bill Amount

of 25

FED Applicable


ChargesDescriptionImport Bills returned unpaid.

YES

NO

Import Bills returned unpaid.

Plus Courier charges Rs.1,500/- and any other charges from Beneficiary Bank for

Handling charges US $ 100/- or equivalent in Pak Rupees.

10

YES

YES

Documentary Collectiona Import Collections:- Documentary

on Sight & Usance basisYES

b Consignments. YES

Handling Charges US $ 40 Plus Courier Charges of Rs.250/-

Sight Rs.1,000/- Flat Usance Commission @ 0.10% per month or part thereof (from the date of lodgement until payment) Minimum Rs.1,000/-Note: If usance bills lodged and retired on the same day Rs.1,000/- Flat will be recovered.

Note: b) If forwarding Bank authorizes us to deliver documents free of cost

Note: a) If documents received pertain to other banks in Pakistan or are sent to them on the instructions of the forwarding Bank.

return of un-paid bills.

Handling Charges of Rs.2,000/- to be recovered from Drawee.

0.1% Minimum Rs.1,000/- irrespective of import volumes.

11

b Consignments. YESc Import against Advance payment

to suppliers.YES

YESNO

Reimbursement Charges Reimbursement charges (Payable to reimbursing Banks)

NO

(i) Handling charges Rs.1,500/-

(i) Rs.1,500/- Flat0.1% Minimum Rs.1,000/- irrespective of import volumes.

(ii) Plus Swift Charges Rs.500/-

At Actual

d Handling charges against payment of import bills from the proceeds of FCF (Foreign Currency Financing) where L/C is established and shipping documents are received at another Bank.

12

Other Import Related Charges

a Issuance of freight certificate for import on FOB basis.

YES

b Service charges against import transactions i.e. Import Bills/PAD / Collection / Direct Documents/ Advance Payment.

YES

c Delivery Order issued for release of AWB consignment in absence of original documents.

YES

d Expenses recovery protest / Legal charges

NO

Rs.1,000/- Flat

Rs.2,000/- Flat

At Actual

@ 0.15% Minimum Rs.1,500/-

13

charges

L/C AdvisingYESNO

YES

NO

Amendment Advising.YES

NO

Negotiation

(i) Rs.2,000/- Flat

(i) Rs.1,000/- Flat

EXPORTS

Amendment Advising.

(ii) Plus Courier Charges Rs.150/- (in case of within city) or Rs.250/- (in case of intercity)


Part-B1

b (i) Rs.1,000/- Flat

Advising L/C


Export L/C Pre-Advice.

a

3

2

Negotiationa Negotiation of Rupee Bills under

Export LCs.YES

b Export bill realized through FCY account

YES

c Charges for Exports to Afghanistan against deposit/surrender of FCY Notes.

YES

@ 0.12% Minimum Rs.1,500/-

@ 0.45% Minimum Rs.3,000/- The charges mentioned at Part-C (B) 1 (e) will not be applicable here.

@ 0.25% Minimum Rs.1,000/- 3

of 25

FED Applicable


ChargesDescriptiond Export Development Surcharge YES

e Negotiation Charges (FCY L/C’s):-

Rs.80/- Flat per transaction

YESNOYESNO

f Documents—Returned Unpaid YES

Confirmation Confirmation/Acceptance YES

Transfer of L/Cs.

Plus Courier Charges Rs.1,500/-

Rs.600/- Flat per document plus charges of Correspondent Bank, if any.

These charges will be approved on case to case basis by Financial Institutions - Global Trade Services (FI-GTS). Please refer Note No.7 (Last Page)

Clean Documents Rs.1,000/- Flat

Note: - (1) In case of overdue FBP, Mark-up as per credit line to be recovered. (2) Negotiable where annual export business volume on Group Basis is above Rs.25 M, with the approval of Functional Head. If commitment of annual export business volume above Rs.25 M is not fulfilled then normal negotiation rates will be applicable and recoveries made in December.

Rs.2,000/- FlatPlus Courier Charges Rs.1,500/-

4

5

i

ii Discrepant Documents

Transfer of Export L/Cs. YES

ReimbursementReimbursement payment to other local banks from Non-Resident Rupee A/c.

YES

Processing of Documents under L/C restricted on other Banks

Where documents are sent to other banks for negotiation under restricted L/C.

YES

Handling of Duty Draw - Back Claims

a Handling of Duty draw back claim YES

Rs.1,000/- Flat

Rs.1,500/- Flat

Rs.1,000/- Flat

0.25% minimum Rs.1,000/- per submission to SBP.

7

8

6

a Handling of Duty draw back claim YES

b Handling the processing of 6% R&D support claims to SBP.

YES

NOC Issuance / Documents Transferred

a Transfer of export proceeds to other Bank.

YES

b ERF – NOC for Entitlement YES

c Charges for registration of contract for Export of Raw Cotton with State Bank of Pakistan and subsequent handling of shipping documents for return of Bank

YES

Rs.1,200/- ( Flat) per case

Rs.1,500/- Flat


Commission @ 0.12% Minimum Rs.1,000/- Maximum Rs.7,000/-


9

documents for return of Bank Guarantee from State Bank of Pakistan.

d Preparation of substitution case in export re-finances.

YES

CollectionsYES

NOb Foreign Documentary Bills for

Collection (on which Bank does not earn any Exchange difference).

YES

c FDBC where Bank earns exchange difference.

YES

a

@ 0.20% Minimum Rs.1,000/- Maximum Rs.2,000/-

Rs.500/- Flat Per Shipment

(ii) Plus Courier Charges - Rs.150/- Flat

(i) 0.12% Minimum Rs.200/- Maximum Rs.1,200/-

Rs.1,500 /- Flat

10Foreign Cheques/ Drafts/ FTCs

difference.d Transfer of export bill lodged

under collection to other banks.YESRs.1,200/- Flat

of 25

FED Applicable


ChargesDescriptionYES

NO

e 0.13% minimum Rs.1,000/-Service charges against Export Documents sent on collection basis where payment cover is already received in our NOSTRO A/C. (Other than Advance

(i)Note:- The Bank will recover upfront Courier charges from Exporters - Rs.1,500/- at the time of dispatch of documents or Courier charges as per Exporter's agreement with Courier Company. Exporters will have to produce copies of such agreements with Courier companies which are on Bank's panel.

Advance Payment ChargesHandling Charges against advance payment received for export

YES

A OUTWARD:YES

NO

a-i

Part C

Plus Swift charges Rs.500/-

0.10% minimum Rs.1,000/-

A/C. (Other than Advance Payment)

with Courier companies which are on Bank's panel.

11

FOREIGN CURRENCY REMITTANCES

Issuance of FDD from FC A/C & against PKR as per Foreign Exchange Regulations.

@ 0.25% Minimum Rs.1,000/-1

Note:- This commission will not be recovered where FC proceeds of Home Remittance are sent as settlement to the beneficiary’s bank.- Free issuance of FDD for HBL at Work Account

YES

NO

b Special remittances in respect of Shipping Freight, Dividend, Advertisement etc.

YES

LFFT within the same Branch or to any Branch within the same Free


Issuance of FFT from FC A/C & against PKR as per Foreign Exchange Regulations.

c Local Foreign Funds Transfers (LFFT)

@ 0.25% Minimum Rs.750/-

Service charges Rs.1,000/- per case in addition to normal remittance charges under 1(a) above.

- Free issuance of FDD for HBL at Work Accounta-ii

Note:- This commission will not be recovered where FC proceeds of Home Remittance are sent as settlement to the beneficiary’s bank.- Commission Charges are to be waived for HBL at Work Account but SWIFT Charges will apply & should be deducted.

to any Branch within the same city, irrespective of amount

YES

d FFT/FDDYES

NO

YES

i

Free

Issuance of duplicate FDD Normal Issuance Charges under 1(a) above.

Note: Free Intercity LFFT for HBL at Work Account

Depending on the currency in which transfer is being made

0.10% Minimum - US$ = 5/- GBP = 3/- Euro = 4/-

e

Cancellation Charges / Stop Payment per instrument.


Rs.500/- Plus Drawee Bank Charges if any.

Intercity LFFT

NOB INWARD:

a Home Remittanceb Others (Advance Payment)c Coinstar Money Transfer

(Previously Travelex)YES

NOe Commission / Handling charges

on deposits of Foreign Currency YES

d

Free if the deposit remains in the FC Account for 14 days, otherwise commission @ 0.25% (in FCY or Pak Rupees).

Nil

@ Rs.0.15% Minimum Rs.500/- Maximum Rs.4,000/-

Plus Swift Charges - Rs.500/- for additional message.

Nil

Plus Courier Charges Rs. 150/-

Service charges on payment of all Inward Foreign Remittances (other than Home Remittances) to beneficiaries maintaining accounts with other Banks.

Nil1

on deposits of Foreign Currency Notes for the credit of FC Account in respective currencies.

otherwise commission @ 0.25% (in FCY or Pak Rupees). Minimum Rs.300/-Note: These Charges will be applicable only on the amount remitted / withdrawn within 14 days from the FCN amount deposited in the FC Accounts.

of 25

FED Applicable


ChargesDescription

1 Correspondents’ charges, if any, will be recovered.

NO

YESNO

Part D

2

OTHER CHARGES ON FOREIGN EXCHANGE TRANSACTIONS

Rs.500/- Flat Plus Correspondent Bank's Charges, if anyPlus Swift charges Rs.500/- if applicable.

At actual

Foreign bills sent for collection returned unpaid. NO

YES

NO

4 Clean Inward Foreign Collection Cheque Return Charges (To be charged for sending back cheque to Collecting Bank through DHL). YES

YES

Inward collections received (relating to F.C A/c) from abroad or local banks/ branches & where payment is demanded in Foreign Currency.

US$ 5/- for collection upto US$ 1,000/-US$ 15/- for collection above US$ 1,000/-

US$ 20/- (To be recovered from Collecting Bank)

5


Inward cheques received from local branches, up-country branches or local banks for

Commission @ 0.15% Minimum Rs.250/-

Plus Swift charges Rs.500/- if applicable. returned unpaid.

3

NO

6 Issuance of Proceeds Realization Certificate, if transaction is older than one year.

YES

7 Duplicate Proceeds Realization Certificate.

YES

8 Standing Instruction Charges in Foreign Currency A/c.

YES

branches or local banks for payment in Pak. Rupees. (Convert the relevant Foreign Currency at the buying rate)

Rs.1,000/- Flat per certificate.


US$ 5/- per transaction plus actual remittance charges as applicable.

Rs.500/- Flat per certificate.

of 25

FED Applicable


ChargesDescription

a YESIssuance of Banker's Cheque REMITTANCES

Rs.200/- FlatThrough A/c

DOMESTIC BANKING

1Part E

YESYES

NO

cYESd Cancellation of Bankers Cheque

Above Rs.100,000/-

Note:- No cancellation charges on Banker's Cheque :(i) Issued in favour of Ministry of Food, Government of Pakistan, as an advance deposit against BARDANA (Jute Bags) only during wheat procurement season.(ii) Issued in favour of Government Departments as Security Deposit and refunded to the Purchaser on recommendation of the same Government Department.(iii) Issued in favour of Educational Institutions, HEC/Board etc.

For Cash Management customers, Charges as per specific agreement with them.

Rs.500/- Flat

Rs.500/- Flat for non customers and Rs.200 for customers.Note: Cancellation of Banker's Cheque Charges are applicable for Freedom A/c Holders

b

Note:-Charges for issuance of Banker's Cheque for payment of fee/dues in favour of Educational Institutions, HEC/Board etc. should not exceed 0.50% of fee/dues or Rs.25/- per instrument, whichever is less.

Against CashRs.1000/- Flat

Upto Rs.100,000/-

e Issuance of Replacement, in case of lost Banker's Cheque

YES

2 Special Pre-printed Drafts for CMD Customers

YES

Product Transaction Payable ByDeposit (Cash) (i) Within City

(ii) Inter city

Withdrawals (Cash) (i) Within City Upto

Same as Banker's Cheque issuance charges

(iii) Issued in favour of Educational Institutions, HEC/Board etc.

@ 0.04% - issuance charges or as per agreement by CMD with the customer.

Flat Rs.370/-

Note:- i) Bank's Remittance Application should be obtained from the Depositor for all Intercity Inter-Branch Cash Depositsii) Freedom account is exempted from the recovery of Within City & Intercity charges.

Free

Free

ChargesINTER BRANCH ONLINE TRANSACTIONS / CROSS BRANCH OFF LINE TRANSFERS

b

aDepositor YES

3

Withdrawals (Cash) (i) Within City Upto Rs.500,000/- per day (ii) Inter-city upto Rs.500,000/- per day

(i) Within city andwithin the Catchment area of One Clearing House(ii) Inter city

d Non-HBL Cheque deposited in local clearing and funds credited to HBL Inter-city Branch Account Beneficiary YES

(i) Within city andwithin the Catchment area of

c

Account Holder

Account Holder

Local Funds Transfers (LFTs) Online Funds Transfer / Cross

Free

Flat Rs.370/-

Flat Rs.370/- Account Holder

Cheque Deposits (HBL Cheque - For credit to HBL Account) YES

Free

Free

e

Flat Rs.370/-

b

YES

YES

One Clearing House

(ii) Inter city

Note:-(2) (a) As per HOK instructions all HBL Cheques deposited at Branch Counters which are drawn on Misys Branches must be collected through Online facility instead of NIFT.

Note : HBL Cheque to be obtained from Account Holders for all LFTs (e) above.

Account HolderBranch Transfers

YES

Note:-1 (a) Where link is down, remittance may be sent by other means without extra charges.(b) All on-line transactions should be treated as within city between following cities: (i) Islamabad & Rawalpindi (ii) Chenab Nagar (Rabwah) and Chinniot(iii) Khushab & Jauharabad

Flat Rs.370/-

(b) Collection of Non HBL Cheque Rs.200/- Flat (Plus FED) where NIFT facility is available otherwise Normal OBC Charges are to be recovered.

YES

YESYES

Note:-(7) Charges mentioned in Part E 3 (a,b,c & d) above are not applicable on HBL Freedom and HBL at Work Account Holders.Note:-(8) All charges pertaining to intercity funds transfers under this section will be exempted in case of sales of third party mutual fund transactions.

Note:-(6) Charges mentioned at 3 a,b, c, d e are also applicable for all Branches.

Note:-(4) Cash Management as per Schedule of Charges where no written agreement is available.Note:-(5) No service charges shall be recovered from students depositing fee directly in the Fee Collection Account of the Educational Institution through Cash Deposit / LFT / IBTS / Cross Branch Transaction etc.

Note:-(3) Cash Management as per agreement signed with the customer.

of 25

FED Applicable


ChargesDescription

a Issuance of HBL Travelers Cheques

YES

b Refund in lieu of lost Travelers Cheques

YESRs.100/- per leaf

4Rs.10/- per leaf

HBL RUPEE TRAVELLERS’ CHEQUES :

Chequesc Issuance of TCs in lieu of lost TCs YES

Transaction Time Window

Charges Payable to SBP Per

Transaction (PKR)

G.L.Code-9903187

HBL Share of Charges Per Transaction

(PKR) G.L.Code-9914049

Total Charges to be recovered from

Customers (PKR)

9:00 AM to 1:30 PM Rs. 200/- Rs. 20/- Rs. 220/-1:30 PM to 3:00 PM Rs.300/- Rs. 30/- Rs.330/-3:00 PM to 4:00 PM Rs. 500/- Rs. 50/- Rs. 550/-

NO

Funds Outflow

3rd Party Funds Transfer using SBP's, RTGS System - MT 103 Facility

Rs.100/- per leaf

Threshold amount of 3rd Party Funds Transfer through RTGS via MT-103 is Rs. 1 Million5

Monday to Friday

Rs. 500/- Rs. 50/- Rs. 550/-

Transaction Time Window

Charges Payable to SBP Per

Transaction (PKR)

HBL Share of Charges Per Transaction

(PKR) G.L.Code-9914049

Total Charges to be recovered from

Customers (PKR)

First Batch 12:00 PM Rs. 25/- Rs. 25/- Rs. 50/-2nd Batch 3:30 PM Rs. 25/- Rs. 25/- Rs. 50/-

Collection: -YES

Funds In-flow

Threshold amount of 3rd Party Funds Transfer through RTGS via MT-102 is Rs. 100,000/-

NIL

NO

a @ 0.40% Minimum Rs.1,000/-

3rd Party Funds Transfer using SBP's, RTGS System - MT 102 Facility

Monday to Friday

BILLS

Funds Outflow

Part F

6

Documentary

Funds In-flow

NIL

1

NO

YES

NO

YES

NO

d Charges for US$ drafts / cheques presented in clearing.

YES

e Intercity clearing through NIFT YES

Clean (including cheques/ dividend warrants/ drafts etc.) (ii) Plus Courier Charges Rs.150/- (in case of within city) or Rs.250/- (in case of

intercity) No charges on LBC i.e. proceeds of other banks cheques collected in cash OR routed through account maintained with local NBP branch and vice versa.

@ 0.25% Minimum Rs.300/- Maximum Rs.10,000/- b

c

Rs.300/- per instrument. Flat

@ 0.25% Minimum Rs.500/- Maximum Rs.10,000/-



Cheques received for collection directly from other Banks

Rs.300/- per instrument. Flat

e Intercity clearing through NIFT YES

f Urgent collection of local cheques for Rs.500,000/- and above

YES

YES

NO

Inland Letter of Credit

Rs.500/- per collection.

(ii) Plus Courier Charges Rs.150/- (in case of within city) or Rs.250/- (in case of intercity) Only for OBC

g

Rs.300/- per instrument. FlatNo charges for transactions between following twin cities:- (i) Rawalpindi & Islamabad.(ii) Chenab Nagar (Rabwah) and Chinniot. (iii) Khushab & Jauharabad.No charges within Catchment Area of NIFT in All Regions, if clearing is handled as local clearing and not as intercity clearing.

Rs. 500/- FlatReturning Charges for Intercity Clearing / Collection (Documentary / Clean)

2 Inland Letter of CreditUpto Rs.25 MExceeding Rs. 25 M to Rs.50 MExceeding Rs. 50 M to Rs.100 MAbove Rs.100 M

NONO

Negotiable Per Quarter

YES

a Opening Commission

Plus Swift Charges Rs.500/- Flat Courier Charges Rs.150/- (in case of within city) or Rs.250/- (in case of intercity)

Note: Charges negotiable on case-to-case basis under approval of Functional Head

Minimum Rs.2,000/- per LC

2

0.35% per quarter0.40% per quarter

0.30% per quarter

of 25

FED Applicable


ChargesDescriptionb Amendments charges without

increase in amount.YES

c Involving increase in amount and / or extension in period of shipment.

YES

Rs.1,500/- Flat

Rs.1,500/- per transaction or Commission as per (2a) above, in case of increase in amount or extention in validity of LC.

d Extension in maturity of Usance Bills

YES

e Cancellation Charges. (Cancellation with mutual consent of Bank & Customer/ Beneficiary)

YES

YESNO

g To add Confirmation on LC Charges

YES

h Handling commission on inland import collection bills at opening

YES

f

Rs.1,500/- Flat

Advising / Amendment Charges.

As per Credit Risk (to be approved by FID).

Rs.600/- Flat per collection.


Service charges Rs.1,000/- Flat per bill

Rs.1,500/- Flat

import collection bills at opening end.

i Handling of discrepant documents YES

Purchase of Bills, Cheques etc.

YESNO

YESPlus Mark-up as per Credit Line from the date of purchase to the date of payment.In case of One Off Approvals, Mark-up at normal Commercial rate is to be applied from the date of purchase to the date of payment.

Plus Mark-up as per Credit Line from the date of purchase to the date of payment. In case of One Off Approvals, Mark-up at normal Commercial rate is to be applied from the date of purchase to the date of payment.

3

a Documentary Bills other than those drawn against Letters of Credit

Same charges as for collection cited at 1(b) aboveb Clean Bills (Cheques, Drafts etc)

Same charges as for collection cited at 1(a) above

Rs.1,500/- Flat

NONO

NONO

ci If retired up to 21st day from the

date of purchase.

i

from the date of purchase to the date of payment.

Collecting Bank's Charges and Swift / Courier Charges will be extra.

Mark-up shall be applied as under on bills purchased/ negotiated.Mark-up as per Credit Line on Actual Finance. In case of One Off Approval, Mark-up at normal Commercial rate on Actual Finance is to be applied.

ii

Postage Local (within city) - Rs.30/- Inland (Inter City) 50/- per item / Courier charges Local (within city) Rs.150/- Inland (Inter-city) Rs.250/- per item are to be recovered on collection of each instrument (whether clean or documentary).

Note:- Salary cheques issued by Controller of Military Accounts are exempted from charges cited at 1(b) and 1 (f) above and markup. However, Courier Charges Rs.150/- (in case of within city) or Rs.250/- (in case of intercity) are to be recovered.

YES

YES

4.1 SIGHT BILLSa At Negotiating End

YES

ii Collection charges (Inland L/Cs) YES

4

i

iii

Plus Markup as per Credit Line or normal Commercial rate from date of Negotiation till realization.

Negotiation Commission

If retired during next 210 days.is to be applied.

Plus Bank's commission @ 20 paisas per Rs.100/-i) No charge, if cleared within 3 days of its receipt by the branch.

Documentary bills drawn against Inland Letters of Credit.

Storage Charges.ii) Rs.2 per packet per day – Minimum Rs.200/-

Rs.800/- Flat

ii Mark-up as per Credit Line on Actual Finance. In case of One Off Approval, Mark-up at normal Commercial rate on Actual Finance is to be applied.

Commission @ 0.55% Minimum Rs.600/-

iii Collection charges for restricted L/C (where negotiation is restricted to some other Bank and presented to us for forwarding).

YESRs.1,000/- Flat

of 25

FED Applicable


ChargesDescriptionb At opening end (at the time of

retirement) rate of mark-up

i If retired within 3 days from the date of lodgment.

Mark-up as per Credit Line from the date of negotiation. In case of One Off Approval, Mark-up at normal Commercial rate is to be applied date of lodgment.

YES

c If negotiation is restricted to some other Bank.

YES

4.2 USANCE BILLSa At opening end: -i Collection charges. YES

ii If bill matures after expiry of L/C. YES

@ 0.40% – Minimum Rs.800/- Maximum Rs.1,500/- if documents are paid within L/C validity.

Forwarding branch should recover Handling Charge of Rs.500/- (Flat) per bill plus actual charges of Negotiating Bank.

In case of One Off Approval, Mark-up at normal Commercial rate is to be applied from the date of negotiation.

ii If retired after 3 days of lodgment. Mark-up as per Credit Line plus Commission @ 0.25%. In case of One Off Approval, Mark-up at normal Commercial rate plus Commission @ 0.25% is to be recovered.

Note:- No mark-up will be charged from the date of negotiation till the date of lodgment for documents received under Inland L/Cs, where the payment as per re-imbursement arrangement is made to the Negotiating Bank only on receipt of documents.

Usual charges as in (i) above plus delivery of documents against acceptance ii If bill matures after expiry of L/C. YES

YES

YES

b At collecting end:i Collection charges YES

YESii

(ii) In addition to commission at (i) above mark-up with penalty as per Credit Line will be applied from the date of maturity / creation of forced liability till date of final payment. In case of One Off Approval, in addition to commission at (i) above, mark-up at normal Commercial rate with penalty will be applied from the date of maturity / creation of forced liability till date of final payment.

In case of purchaseAnd markdown @ 0.60 % for every 15 days from the date of purchase till the date of

Usual charges as in (i) above plus delivery of documents against acceptance commission @ 0.10% per month on bill amount on realization from the date of expiry of L/C. Minimum Rs.600/-.(i) In case of forced PAD / Liability is created due to non payment of any bill on maturity, commission @ 0.45% is to be recovered (once only).

Usual commission as in b(i) aboveCommission @ 0.40% - Minimum Rs.1,000/-

A1 Project Application Fee (Non

Refundable) After acceptance of sanction by the company but before disbursement of the total amount of sanction (Funded and Non Funded Both)

YES

Fee and Charges in respect of project financing in addition to

Part G

2

And markdown @ 0.60 % for every 15 days from the date of purchase till the date of maturity/ payment, whichever comes later.

FINANCES / ADVANCES

On case to case basis as per agreement with the party.PROJECT FINANCE

Note:- All other charges such as Postages / Courier / Collecting agent's charges etc, wherever applicable will be extra.

project financing in addition to interest/return on investment:-

a Commitment Fee (on un-disbursed balance)

YES

b Project Monitoring fee (on Funded & Non Funded both)

YES

c Legal documentation fee YESd Trustee-ship fee (to be recovered

in case of consortium financing).YES

e Consortium Agent Fee YESf Re-structuring & Re-scheduling

fee of Project Finance including all types of Moratorium / Deferments.

YES

On case to case basis as per agreement with the party.


On case to case basis as per agreement with the party.On case to case basis as per agreement with the party.



Deferments.g Valuation of Fixed Assets YESOn case to case basis as per agreement with the party.

Note for 1 and 2 above:- Charges to be approved by the Functional Head / Competent Authority.

of 25

FED Applicable


ChargesDescriptionB WORKING CAPITAL

LOANS/ ADVANCES AND COMMERCIAL LENDING

1 Legal Documentation Fee will be recovered from all customers @ 0.15%. Minimum YESLegal documentation fee in all

Actual

Actual

Actual

1 Legal Documentation Fee will be recovered from all customers @ 0.15%. Minimum Rs.1,500/- Maximum Rs.5,000/- per proposal on the amount of documentation (i.e. principal plus mark-up) at the time of initial disbursement, enhancement, additional financing & change in securities / collateral of fund based & non-fund based facilities.However, finances against Bank Deposits / Govt. Securities (where no legal opinion is sought), shall be exempted from this fee.

(c) Registration Fee & Charge Search Report.

(b) Stamp duty on Control & Security Documents (as per Stamp Duty Act applicable in each Province)

Note: Legal documentation fee has to be recovered in addition to the charges under (a), (b) & ( c) above.

YES

(a) Legal Opinion, Preparation of MODTD/Legal Mortgage, Verification genuineness along with Search of Property Document.

Legal documentation fee in all cases of fund based and non fund based facilities

Handling Charges for Facilities (Funds Based & Non Funds Based) Rs. 40 M upto Rs.100 M

a CREDIT SANCTION (New facility/Initial)

YES

b Interim (any change in the facility/security)

YES

c Enhancement YESd Facilities on Short form for One

OffYES

e Annual Review Fee (on Renewal) YES

2

Rs.10,000/- Flat (per amendment) For SMEs Rs.3,000/- Flat

(a), (b) & ( c) above.

@ 0.1% to 1.0% Negotiable - subject to Exposure & Trade Business routed annually on case to case basis, with the approval of Functional Head.

@ 0.10% of the enhanced funded amount including Usance L/Cs.

@ 0.12% minimum of Rs.40,000/- of funded facilities including usance L/Cs

Minimum Rs.2,000/-

f Front end / Arrangement fee YESg Penal Charges in case of overdue

of FCIF, FAFB, FAPC, FIM, FATR, FCF, FCBP, IDP, ERF & IDBP

YES

YES

Restructuring & Rescheduling Fee on Term Loans (DF/FAF) including all types of moratorium/

YES

Additional charges @ 4% will be levied over & above the normal commercial markup rate agreed.

@ 1.50% Flat wherever applicable at Bank’s discretion

Note : i) Renewal for shorter periods, proportionate fee to be recovered i.e., 1/4th - 3 Months, 1/2 - 6 Months, and 3/4th - 9 Monthsii) Maximum fee of 1% will be charged in the absence of specific approval for reduced rate by Functional Head.

3 @ 0.20% of rescheduled / restructured amount.(No charges upto Rs.0.5 M).

Note-: Exceeding Rs.100.00 M as per approved arrangements with the customers and approval of the Functional Head / Competent Authority. The negotiated charges should be mentioned in the Credit Proposal of the Customer.

including all types of moratorium/ deferments.

Application Processing Charges for Fresh, Enhancement, Reduction of all types of limits upto Rs.40(M). (Funds Based and Non Funds Based)

Facility Amount ChargesUp to Rs. 1 M -above Rs. 1 M to Rs. 2 M -above Rs. 2 M to Rs. 5 M 0.10%above Rs. 5 M to Rs. 10 M 0.10%

4

Rs.3,000/-

Note: Waiver subject to approval by Functional Head and in the light of credit rating and business relationship with the Customer.

Fresh / Enhancement / Decrease / Renewal

Rs.2,000/-

Rs.5,000/-

MinimumRs.1,000/-

above Rs. 10 M to Rs. 20 M 0.25%above Rs. 20 M to Rs.40 M 0.20%Interim Enhancement/Changes/ One off / Temporary Extensions

-

YES

a) Export Refinance.

Rs.25,000/-

Rs.2,000/-

Rs.40,000/-

b) Finances 100% secured by deposits with our Bank.

Note:- These charges are not applicable to the following categories: -

c) All Staff Finances.

of 25

FED Applicable


ChargesDescription

Application Processing Fee NO6 Replacement of securities under

lien with the Bank (except at the time of annual review of facilities

YES

5Rs. 100/- Flat

Prime Minister Youth Business Loan - PMYBL

Rs.2,000/- Flat

time of annual review of facilities and other than our own Bank’s deposits under lien.

HBL EASY LOAN

Rs.15,000/- Flat - Facility size Rs.50,000,000/- & above. (Non-Refundable, Payable Upfront).Rs.1,000/- Flat - Facility size upto PKR 1,000,000/- (Non-Refundable, Payable Upfront).

Rs.5,000/- Flat - Facility size above Rs.5,000,000/- & less than Rs.50,000,000/- (Non-Refundable, Payable Upfront).

Application Processing Fee

Annual Renewal Fee

Ca

b

YES

Rs.1,000/- Flat - Facility size upto PKR 1,000,000/- (Non-Refundable, Payable Upfront).Rs.2,500/- Flat - Facility size above Rs.1,000,000/- to upto Rs.5,000,000/- (Non-Refundable, Payable Upfront).

Rs.2,500/- Flat - Facility size above Rs.1,000,000/- to upto Rs.5,000,000/- (Non-Refundable, Payable Upfront).


Rs.1,000/- Flat - Facility size upto PKR 1,000,000/- (Non-Refundable, Payable Upfront).


Rs.15,000/- Flat - Facility size Rs.50,000,000/- & above. (Non-Refundable, Payable Upfront).

c

Rs.15,000/- Flat - Facility size Rs.50,000,000/- & above. (Non-Refundable, Payable Upfront).

YES

YES

Rs.2,500/- Flat - Facility size above Rs.1,000,000/- to upto Rs,5,000,000/- (Non-Refundable, Payable Upfront).

Interim Facility Enhancement

a Application Processing Fee YES

b Facility Fee YES

c Annual Renewal Fee YES

d Interim Facility Enhancement Fee YES

e L/G Court/Custom Guarantees YESf LG (All other Types) YESg Letter of Credit YES

D

(Non-Refundable, Payable Upfront).All commission/other charges applicable on LG and LC facilities will be as per Schedule of Charges.HBL SMALL BUSINESS FINANCE

@ 0.05% of the amount of excess requested over approved limits, Minimum Rs.2,500/- (Non-refundable, Payable Up-front)

Charges as per Part-A(a-1)0.40% per Quarter

@ 0.05% of the facility amount, Minimum Rs.2,500/- (Non-refundable, Payable Up-front)

0.50% per Quarter

@ 0.10% of the facility amount, Minimum Rs.5,000/- (One time implied - Non-refundable, Payable Up-front )@ 0.10% of the facility amount, Minimum Rs.2,500/- (Payable at the time of facility acceptance by customer)

g Letter of Credit YESh Shipment Guarantee YES

i Penal Charges YES

a Front end Fee YES

YESYES

c Commitment Fee (On un- disbursed amount / balance)

YES

d Auto & Machinery Lease for SMEs & Corporate, processing

YES

(ii) Actual out of pocket expenses (if First and Second charge is created)@ 1/12 of 1% per month or part thereof on un-disbursed amount/balance starting 30 days after the date of approval. (Waiver subject to approval by Functional Head in the light of credit rating and business relationship with the customer).

@ 1.0% of the lease amount (Waiver subject to approval by Functional Head and in the light of credit rating and business relationship with the customers).(i) Rs.3,000/- Flat in each caseLegal Documentation Fee

@ 0.5% of amount of finance, Minimum Rs.6,000/- non-refundable.

@ 5% of weightage everage of last quarter debit balance from due date till adjustment/settlement of overdue amount.

b

E LEASING FINANCE ( Auto & Machinery)

Charges as per Part-A(a-1)Charges as per Part-K-1

FeeF

a Below 500 Kb Between 500 K - 1 Mc Between 1 M - 5 Md Between 5 M - 10 Me Above 10 M

Rs.1,000/- Flat.

RURAL FINANCING PRODUCTION AND DEVELOPMENT Application Processing Charges.

1

Rs.10,000/- Flat.

Rs.3,000/- Flat.YESRs.5,000/- Flat.

Rs.7,500/- Flat.

of 25

FED Applicable


ChargesDescriptionG

a For the issuance of NOC on the request of customers for creating additional / pari-passu charge/ second charge on their fixed assets

YES1 Rs.10,000/- Flat per transactionOTHER CHARGES ON ADVANCES

second charge on their fixed assets for acquiring further project finances from other banks / financial institutions.

b For the issuance of NOC on the request of Customers for creating charge on their current assets.

YES

a Redemption of charge fee to be recovered from party when Bank officers are called before Registrar for redemption of the mortgage.

YES

b Vacation of Charge/ Release of Charge on Agri. Pass Book

YESRs.1,000/- Flat per case

Rs.2,500/- Flat per property.

Rs.10,000/- Flat per transaction

2

Charge on Agri. Pass Booka Registration with SECP &

Lawyer's charges for both Private & Public limited companies where charge on current or fixed Assets is registered.

YES

b Registration of charge at Registrar's Office for Partnership / Proprietorship firms / Individual finances exceeding Rs.0.5 (M) for mortgage at registrar of Property office.

YES

c For finances below Rs.0.5 (M) YES

Actual Cost - Plus Rs.1,000/- per case.

Actual Cost.

Actual Cost - Plus Rs.1,200/- per case.3

c For finances below Rs.0.5 (M) Partnership / Proprietorship / Individual borrowers.

YES

4 To mark lien on securities issued by other institutions.

YES

5 Collection/Encashment of profit coupons on Govt. Savings Certificates issued by other Banks/Saving Centers under lien with us.

YES

For finances against pledge/ hypothecation.

a Godown Rent. NOStock Inspection Charges.

Actual (i) Actual bill from outside surveyors to be paid directly debiting customer's account.b

6

Rs.500/- Flat per trip

Actual Cost.

Rs.250/- Flat per trip

Pledge HypothecationRs.200/- Flat NilRs.1,000/- Flat Rs.1,000/- FlatRs.1,500/- Flat Rs.1,500/- FlatRs.2,000/- Flat Rs.2,000/- Flat

In case of Muccadum (Managed Pledge)

Other incidental expenses (Insurance Premium, Legal

YES

Stock Inspection Charges.(Hypothecation/ Pledge) inspection frequency as per credit approval and/or as per credit policy.

(i) Actual bill from outside surveyors to be paid directly debiting customer's account.

Up to Rs.10.000 M

Actual Cost.

Note:- If during same period, outside Surveyors inspected the godown, then only actual Conveyance charges shall be recovered, in case of (ii) above.Actual bill by Muccadum to be paid directly debiting customer's account.

Note: - These charges are per Customer for each pledge site.

Up to Rs.1.000 M

(ii)If inspection carried out by Bank Staff, charges will be as under:-

b

c

d

Up to Rs.5.000 M

Above Rs.10.000 M

For Advances

YES

(Insurance Premium, Legal charges) Note:- No charges in case of occasional surprise checking of godowns carried by Bank's Executives / External and Internal Auditors.

of 25

FED Applicable


ChargesDescription

Auto Loan1.1 Application Processing Fee

(Inclusive of documentation charges)

YES

CONSUMER FINANCES

Rs.7,500/-Rs.3,750/- (For individuals applying again after 6 months or maturity of one facility or Settlement after minimum 6 months)

Part H1

charges)

1.2 Early Settlement Charges YES

1.3 Partial Payment YES

1.4 Re-possession Charges. YES1.5 Legal Notice Fee YESActual Cost.

1. Partial Payment prior to delivery of vehicle, @ 10% of amount being settled. 2. Partial Payment delivery of vehicle, @ 5% of amount being settled.

1. Termination prior to delivery of vehicle, @ 10% of outstanding amount at the time of settlement. 2. Termination after delivery of vehicle, @ 5% of outstanding amount at the time of settlement.

Settlement after minimum 6 months)Inclusive of:- Documentation charges- Verification- Stamp Duty- Credit Report: Actual Upto Rs. 150/-

Actual or Rs.50,000/- whichever is Lower.1.5 Legal Notice Fee YES1.6 Late Payment Charges YES

Housing Loan / Mortgage Power

2.1 Processing charges YES

2.2 Early Termination/ Settlement Charges.

YES

2.3 Partial Payment Charges YES2.4 Legal Documentation Charges YES

Actual Cost.

@ 4% of Principal adjusted.

@ 4% of Principal outstanding.

Actual Cost.

Rs.6,000/-Inclusive of:- Documentation charges- Verification- Stamp Duty- Credit Report: Actual Upto Rs. 150/-

2Rs.1,000/- per late payment

2.4 Legal Documentation Charges YES2.5 Re-possession Charges YES

2.6 Property Document Vetting Charges

YES

2.7 Insurance Charges YESPersonal Loans

Salary Transfer :

Topup :

Deposit Based :

New to Bank :Rs.3,500/- or 1.25% of the loan amount whichever is higher

Processing charges

Rs.3,500/- or 1.25% of the loan amount whichever is higher

Actual or Rs.50,000/- whichever is lower.Actual Cost.

Actual Cost.

Actual Cost.

3.13

YES

Institutional / Corporate Segment :

3.2 Early settlement Charges. YES3.3 Partial Payment

3.4 Late Payment Charges YESHBL Credit Cards

a Service ChargesNO

b BTF Service ChargesNO

c HBL Installment Plan (HIP) Service Charges NO

amount whichever is higher

@ 24% p.a of Outstanding BTF Amount.

@ 24% per annum of Outstanding HIP amount

HBL CreditCard

@ 24% per annum of Outstanding HIP amount

Minimum @ 38%, Maximum @ 39% per annum of Outstanding

HBL FuelSaver

@ 5% of outstanding finance amount.

Rs.700/- per late payment

As per Agreement.

@ 24% p.a of Outstanding BTF Amount.

Partial Payment not allowed

Minimum @ 38%, Maximum @ 39% per annum of Outstanding

4

Service Charges NO

d Cash Advance Service Charges

NO

g Monthly Fee (Basic)

h Monthly Fee (Supplementary)

amountMinimum @ 36%,

Maximum @ 39% p.a of Outstanding Cash Advance Amount

amount

Rs.5,000/- Flat (Gold Cards)Rs. 8,000/- Flat (Platinum Cards)

Rs.125/- Green CardRs.250/- Gold Card

e

f

Rs.250/- Green CardRs.500/- Gold Card

Minimum @ 36%, Maximum @ 39% p.a

of Outstanding Cash Advance Amount

Annual Fee

Supplementary FeeRs.2,500/- Flat (Gold Cards)Rs. 4,000/= (Platinum Card)

Rs.1,500/- Flat (Green Cards) YES

YESRs.3,000/- Flat (Green Cards)

i BTF Processing Charges YES

j Late Fee YESk Over limit Fee YES

Rs.500/- or @ 3% of the transferred amount, whichever is higher

Rs.1,250/-Rs.1,250/-

Rs.500/- or @ 3% of the transferredamount, whichever is higher

Rs.1,250/-

Rs.250/- Gold Card

Rs.1,250/-

of 25

FED Applicable


ChargesDescriptionl Voucher Retrieval Fee YES

m Arbitration Charges for Disputed Transactions

YES

n Card Replacement Fee YESo Cash Advance Issuance Fee YES

US$ 500/- or equivalent PKRRs. 1000/- FlatRs. 1000/- Flat

US$ 500/- or equivalent PKR

Rs. 600/- FlatRs. 750/- or 3% of amount withdrawn Rs. 750/- or 3% of amount withdrawn

Rs. 600/- Flato Cash Advance Issuance Fee YES

p Banker's Cheque Issuance Fee

YES

q Early Payment Charges for installment plan

YES

r Foreign Transaction Charges YES

s Card Conversion Fee YESt Returned Cheque Charges YESu Direct Debit Rejection Fee YESv SMS Alert Charges YESw Habib Installment Plan (HIP)

Processing Charges/HIP FeesYES

HBL Insurance Scheme

Rs.600/- FlatRs.600/- Flat

@ 5% of remaining Principal Balance

Rs.100/- Flat per monthRs.750/- Flat

Rs.1,000/- FlatRs.600/- Flat

5

@ 3% of Transaction Amount

Rs.750/- FlatRs.1,000/- FlatRs.600/- Flat

@ 3% of Transaction Amount

Rs.500/- Flat Rs.500/- Flat

@ 5% of remaining Principal Balance

Rs.100/- Flat per month

Rs. 750/- or 3% of amount withdrawnwhichever is higher

Rs. 750/- or 3% of amount withdrawnwhichever is higher

HBL Insurance Schemea Credit Shelter NOb Credit Shelter Plus NOc Income Continuation Plan-

Plan ANO

d Income Continuation Plan-Plan B

NO

e Total Assurance - Plan A NOf Total Assurance - Plan B NOg Triple Health Cash Plan NOh HBL Wallet Plan NOi HBL Family Protect - A NOj HBL Family Project - B NOk HBL LifePlus - A NOl HBL LifePlus - B NO

0.073% of credit limit

Rs.150/- Per Month

5

Rs.199 Per Month

0.50% of outstanding balance

Rs.325 Per Month

Rs.399/- Per Month

Rs.250/- Per Month

Rs.165 Per MonthRs.1,650 Per YearRs.250 Per Month

Minimum Rs.185/- and Maximum Rs.970/- per month (varies according to plan)Rs.260/- Per Month

l HBL LifePlus - B NOm HBL My Health Forever NOn Credit Shield Plus NO

HBL Salary Plusa Processing charges YESb Mark-up NOc Annual Renewal Fee YES

a Standing Order/Balance Order charges will be recovered in addition to normal remittance charges.

YES

b Amendment of Current Standing Order

YESRs.200/- Flat

61% of overdraft limit or Rs.2,500/- whichever is higher

1

1% of overdraft limit or Rs.2,500/- whichever is higher

Rs.200/- per transaction except deduction of loan installments.

0.79% of Total Outstanding Balance

Rs.325 Per Month

STANDING INSTRUCTIONS CHARGES:

Monthly Mark-up of 2.5-3% per month classification per annum 30-36%

Part I

Rs. 3,000 Per Year

Orderc Cancellation of Standing Order YES

1 Withdrawal fee on shares and securities held in safe custody (to be recovered at the time of withdrawal)

YES

2 Withdrawal fee on Govt. Securities. Where shares and/or securities sold are from those held in safe custody, either commission on sale of shares and securities, as shown against item 1, or withdrawal fees, as shown against

YES

Rs.100/- Flat

SALE & PURCHASE OF SECURITIES, SAFE CUSTODY OF ARTICLES IN SAFE DEPOSITS@ 0.25% up to Rs.10,000/- of the paid-up and face value (Minimum Rs.80/-). @ 0.125% on amount exceeding Rs.10,000/- of the paid-up and face value (Minimum Rs.170/-).

Rs.10/- Flat per scrip. Minimum Rs.85/-

Part J

withdrawal fees, as shown against item 2 whichever is higher, will be charged, but not both.

3 Handling charges for conversion, renewal, consolidation or subdivision of Govt. Securities.

YES

4 Fee for verifying and marking lien on Govt. Securities issued by us at the request of third party.

YES

Rs.20/- Flat per scrip

Rs.500/- Flat per case

of 25

FED Applicable


ChargesDescriptionHandling charges for deposit of shares and other securities in safe custody marked under Lien for banking facilities:-

a Individual shares with verified YESRs.500/- Flat

5

a Individual shares with verified Transfer Deed attached.

YES

b Sale / Purchase of shares securities held against banking facilities.

YES

c Charges for holding bearer securities in safe custody on behalf of customer against banking facilities.

YES

d Replacement of securities under lien to the Bank.

YES

a Boxes and Packages YES

Rs.1,000/- Flat per replacement

Rs.5/- Flat per 100 cubic inches or any part thereof with a Minimum of Rs.400/- per

Rs.850/- Flat

Rs.500/- Flat per transaction.

Articles in Safe Deposit- Fee for Articles in Safe Deposit (to be recovered in advance at the time of deposit or at the commencement of each quarter).

Rs.500/- Flat

6

a Boxes and Packages YES

b Envelopes YES

SmallMediumLargeExtra LargeCubicle Locker

b Late payment fee YES

Small Medium

Rs.3,000/- Flat

Rs.3/- Flat per 25 square Inches or any part thereof with a Minimum of Rs.400/- per quarter.

10% of the applicable annual locker rent with grace period of 30 days from the due date.

Key Deposit (Will apply at the time of issuance of new locker).

a

Rs.40,000/- Flat per annum.

Rs.3,500/- Flat


YESRs.3,500/- Flat per annum.

NO


Rs.5/- Flat per 100 cubic inches or any part thereof with a Minimum of Rs.400/- per quarter.


Safe Deposit Lockers Fee (to be recovered in advance and at the commencement date yearly)

c

7

Medium Large/Extra Large Cubicle Locker Breaking ChargesFor Small, Medium, Large & Extra Large Locker

YES

Cubicle Locker YES

1 Guarantees issued in favour of shipping companies in lieu of Bills of Lading.

YES

2 Guarantees issued in favour of YES

Rs.6,000/- per Locker or actual cost whichever is more.

@ 0.60% per quarter or part thereof.

Rs.3,500/- FlatRs.5,000/- Flat

NO

d

GUARANTEES

Note:- In case a locker is broken open for non-payment of fee and its content are retained with inventory in a separate locker, whenever the locker holder(s) visits the Bank for collection of the items, all outstanding fee (with late payment fee) and break-opening charges should be recovered before the contents are delivered.

Rs.3,500/- per Locker or actual cost whichever is more.

Rs.2,000/- Flat

Rs.50,000/- Flat

Part K

2 Guarantees issued in favour of Collector of Customs in lieu of payment of Duties/ levies.

YES

YES

YES

YES

(i) @ 0.45% per quarter or part thereof Minimum Rs.1,500/-Other Guarantees

(iv) Note: - For open-ended Guarantees, Commission to be recovered on Annual Basis as per (i) or (ii) above, as applicable or as per approval of competent authority.

@ 0.60% per quarter or part thereof.@ 0.40% per quarter or part thereof for Financial Institutions.@ 0.30% per quarter or part thereof (if 100% Cash Margin or Lien over Term / Saving Deposits).Minimum Rs.1,500/- to be recovered.

(ii) If secured against 100% Cash Margin, Commission @ 0.40% per quarter or part thereof Minimum Rs.1,500/-.

(iii) Note:- In case the validity of guaratee is one year or more, then LG commission should be charged at prescribed applicable rate, Minimum Rs.1,500/- annually.

3

of 25

FED Applicable


ChargesDescriptiona Cross Border Back-to-Back

Guarantees including Performance Bonds, Bid Bonds, Advance Payment Guarantees issued against Counter

YES(i) 0.45% per quarter or part thereof, Minimum USD 150/-.(ii) Commission on guarantees issued against Counter Guarantees / Standby L/Cs is determined based on issuing Bank/ Country & Value / Tenor of the Instrument, Minimum USD 150/-. These Charges will be approved on case to case basis by Financial Institutions - Global Trade Services (FI-GTS).

4

against Counter guarantees/Standby Letter of Credit (SBLC) of Foreign Banks/ Financial Institutions of Overseas Branches.

b YES

If advised without any risk & responsibility

YES

YES

(ii) If advised duly added with Confirmation

YES

c

Note: The similar rate will apply in the cases of advising of subsequent amendments. Claim handling charges shall not apply except communication cost as prescribed under K(4c).

US $ 60 or equivalent in other currencies

Advising Charges for Guarantees or SBLCs issued by the Foreign Banks/ Financial Instutitions or Oversease Branches

Financial Institutions - Global Trade Services (FI-GTS).Please refer Note No.7 (Last Page)

Rates as per K 4 ( c ) will apply

Branches are advised to include the actual cost of Stamp Paper, Courier / Swift Charges etc. while claiming the amount of

(i)

c

5 Claim Handling on Guarantees issued on behalf of Foreign Correspondent

YES

Consortium / Syndicate Guarantees

YES

a

b

c Administrative fee for expired YES

In case of the forced liability created on invocation of bank guarantees, (except Counter Guarantees or Standby Letter of Credits of Foreign Banks) mark up at Commercial rate / Approved Customer Lending rate, on daily product basis will be recovered from the date of invocation of the guarantee until complete adjustment of the forced loan & any other charges, if applicable.

(i) Rs.2,000/- Flat to be recovered on half yearly basis or on prorata basis if returned

(i) Rs.2,000/- Flat or equivalent in FCY.(ii) Communication costs Rs.1,500/- Flat or equivalent in FCY

Branches are advised to include the actual cost of Stamp Paper, Courier / Swift Charges etc. while claiming the amount of commission from the Correspondent Bank on whose behalf the Guarantee is being issued.

6

Note: - All guarantees issued by banks (except guarantees issued under consortium/syndication) must contain specific amount and expiry date and a date by which the claims are to be lodged. Commission to be charged from the date of issue till expiry of the claim lodgement date.

As per term sheet applicable for the entire Syndicate members.

c Administrative fee for expired guarantee until original instrument is not yet returned to us.

YES

d Amendment YES

e

Part L MISCELLANEOUS CHARGESMinimum Balance Related Charges

Rs.1,200/- Flat per amendment or commission at the rate specified above if amendment involves increase in amount or extension in period, whichever is higher.

(i) Rs.2,000/- Flat to be recovered on half yearly basis or on prorata basis if returned earlier.(ii) In case of 100% cash margin, no Administrative Fee will be recovered. This fee shall also not apply on the cases as prescribed under K (4).(iii) Administrative Fee may be waived on very exceptional basis with the approval of Functional Head.Note: Normal Commission shall be charged if claim is lodged within the validity of L/G, otherwise Administrative Fees should be charged.

The Bank reserves the right to charge different rates on the basis of volumes and security offered subject to prior approval by concerned sanctioning authority.

Minimum Balance Related Charges1

1) A/cs of employees of Government/Semi-Government institutions including Armed Forces Employees/Pensioners opened for salary and pension purposes including widows/children of deceased employees eligible for family pension/ benevolent fund grant etc./ senior citizens or physically handicapped.

2) Accounts of Mustehiqeen of Zakat.

NO

Following categories of Accounts are exempt from recovery of “Service Charges”

Service Charges on following Accounts where Minimum monthly average balance is less than:- Rs.5,000/-for Current AccountRs.10,000/- for Value Account Rs.20,000/- for Daily Progressive Account &Rs. 20,000/- for Daily Munafa A/c

Rs.50/- Flat, to be recovered on monthly basis.

3) Accounts of Students.

Service Charges on FC Savings &

15) HBL Rutba Accounts.

2

6) Accounts in Inactive and Unclaimed categories.

14) HBL @ work.

8) Nominated accounts against all types of Term Deposits.9) Regular Saving Accounts.

7) Accounts of School Management Committee (SMCs) duly constituted by Education Deptt, Govt. of Sindh.

10) Special Non-Chequeing Accounts of Exporters (Account Type-CP).11) HBL iD Accounts.12) HBL Money Club Accounts.13) Pardes Card Accounts.

16) HBL Asaan Accounts

4) Accounts of Deceased.3) Accounts of Students.

5) Loan servicing accounts (especially opened to facilitate repayment of Consumer / Agriculture Loans).

Service Charges on FC Savings & FC Current A/cs, where Minimum monthly average balance is less than:-

i US$ 1,000/- ii € 800/-iii ¥ 120,000/-

2

US equivalent of Rs.50/- Flat, to be recovered on monthly basis.

NO€ equivalent of Rs.50/- Flat, to be recovered on monthly basis.¥ equivalent Rs.50/- Flat, to be recovered on monthly basis.

of 25

FED Applicable


ChargesDescriptioniv £ 700/-

Transaction Charges on Value Account & Basic Banking Account

YES3 a Rs.50/- per debit transaction to be charged if more than 2 customer initiated debit transactions are made during a calendar month except withdrawals made through ATM's and system generated debit transactions.

£ equivalent Rs.50/- Flat, to be recovered on monthly basis.

b Transaction charges on Daily Progress Account

YES

c HBL Freedom Account YES

d Transaction Charges on HBL Asaan Account

YES

Note: Waiver from Transaction Charges will be allowed on Accounts belonging to category of customers, who are exempted from Service Charges as per Part-L, 1(a)

Charge of Rs.50/- per debit transaction will be levied and recovered daily and this will be in addition to normal charges (if any) applicable on the particular service (i.e. Banker's Cheques) but excluding system generated debit transaction.

Rs. 50/- per debit transaction to be charged if more than 4 customer initiated over-the-counter debit transactions are made during a calendar month, except withdrawals

Free Transactional Services on Freedom Account (as listed in the product features). For the month in which actual balance is below Rs.25,000/- even for a day, cumulaive transactions Charge @ Rs.50/- per transaction will be applicable in lump sum at month end on all customer initiated Debit Transactions during the month and it will be auto recovered by the system.

Asaan Account

e Prestige Account Charges (account level)

YES

f Account Downgrade Charges on Prestige A/c

YES

Prestige Account Charges are PKR 1,500 per month which is waived on maintenance of account balance at Current a/c PKR 1 millionSavings a/c PRR 2 millionCurrent a/c & TD combined / Savings a/c & TD combined is Rs. 3 millionFCY a/c USD 20,000FCY a/c EUR 20,000FCY a/c GBP 15,000

counter debit transactions are made during a calendar month, except withdrawals made through ATM's and system generated debit transactions.

Conversion from Prestige to normal accountPKR 1,500/-

Cheque Book & Cheque Related Charges4 Cheque Book Issuance Charges NO

YES

YES

YES

Note:- (1) Stop payment charges are to be levied one time for stop payment instructions whether it is for one or more cheques.(2) Stop Payment Charges are applicable on Freedom Account & HBL at Work Account.

6 Charges on cheques returned in Inward Clearing/Collection to be recovered from Customers issuing the Cheques with in-sufficient

(i) Rupee A/c. Rs.400/- Flat per cheque

5 Stop payment of cheque (i) Rupee A/c Rs.400/- Flat per instruction

(ii) F.C. A/C US$ 10/- or equivalent Flat per instruction

Rs.15/- Flat per leave to be recovered at the time of issuance of Cheque Book for PLS-SB Accounts and Rs.10/- Flat per leave for all other Chequeing Accounts.Note: Freedom Account, HBL at Work, Branchless Banking, Rutba Account & Money Club Account Holders are exempted from these charges.

YES

7 Original paid cheques returned to customer after 6 months (at customer request)

YES

8 Over the counter cash cheque returned due to insufficient balance

YES(i) Rupee A/c. Rs.200/- Flat per cheque

(ii) Above one year up to five years Rs.200/- Flat Per cheque

9 Photocopy of the paid cheques forwarded to Customers.

(i) Up to One year Rs.50/- Flat Per cheque YES

US$ 5/- or equivalent Flat per cheque

Rs.200/- Flat per cheque.

the Cheques with in-sufficient balances in account or for any other reason. "due to fault of customer" (ii) FC A/c.

10 Delivery of Cheque Book by Registered Mail/ Courier

NO

11 Issuance of SBP/NBP cheques YES

12 Statement of Account sent on Daily basis through Swift Message MT-940

NO

13 Duplicate Statements for all types of accounts, on request from customer.

NO

14 Monthly Bank Statement NO

Rs.35/-Flat, per statementNote: HBL at Work Account is exempted.

Rs. 400/- per annum.

Rs.150/- Flat

Rs.500/- Flat per cheque (to be retained by the originating Branch)

Account Statement & Certificate Related Charges

Rs. 1,000/- Flat per amonth

(ii) Above one year up to five years Rs.200/- Flat Per cheque

(iii) Above five years Rs.500/- Flat Per cheque

14 Monthly Bank Statement NO

15 Duplicate Bank Certificate for the purpose of Visa, Income tax etc.

YES

16 Overseas Employment Certificate. YES

Rs.300/- Flat per certificate

Rs.300/- Flat per certificate

Rs. 400/- per annum.

of 25

FED Applicable


ChargesDescriptionCredit Information Report / Opinion. Credit Information report / opinion provided locally to Banks / Other Organizations (Embassies etc).

YES

17

Rs.500/- Flat

Organizations (Embassies etc).

18 For any enquiry requested by customer beyond 3 years relating to transactions on his account.

YES

19 Closure of Account Charges. YES

20 Handling of payments/ balances from deceased accounts against Succession Certificate

YES

21 Confirmation of balances to Auditors.

YESRs.500/- Flat

Account Transaction (s) & Balance Related Charges

Rs.1,000/- Flat

Free

Rs. 500/- Flat

Note:-Plus Postage / Courier / Fax Charges will be recovered as per Part 'O' as applicable.

Auditors.

a Charges on Dividend Warrants (to be recovered from dividend declaring companies).

YES

YES

YES

Shares, Dividend & DSC / SSC / NIT Related Charges22 @ 0.60% of total Dividend Warrant payment amount - Minimum. Rs.10,000/-

(Negotiable on case to case basis and to be approved by Functional Head)

Note:- i) Bank may waive charges to Customers depositing full Dividend amount in advance or Rs.50 (M) whichever is less in Dividend Account for payment of Dividend Warrants.Ii) In case DWs are not printed through a Printer referred by the Bank and subsequently it is found that the DWs are rejected by NIFT while processing for payment, actual charges of NIFT applicable on Non-Standard Instruments will be recovered from the Company.

23 Share Floatation/TFCs issue charges

(i) Commission @ 0.5% of aggregate successful subscription amount received through our branches or Negotiable - to be approved by the Functional Head (to be paid by the company to Share Floatation Department).

YES

YES

YES

YES

25 Issuance of DSC/SSC/NIT on behalf of Government of Pakistan.

YES

NO

NONO

Electricity

As prescribed by Govt.

Utility Companies and Utility Bills related Charges26 a Utility Bills Commission Rs.8/- per bill.

(iii) Handling charges Rs.15/-per share certificate(Paid by the company to Shares Floatation Department for dispatch of shares certificate through us)

Sui GasTelephone

24 Issuance of Right Shares. (i) Commission @ 0.5% (subject to negotiation of rate based on volume of business to be approved by Functional Head).(ii) Out of pocket expenses Minimum Rs.25,000/-

(ii) Out of pocket expenses Rs.25,000/-

NONONO

b Charges on Intercity transfer of funds pertaining to Utilities Companies.

YES

Other Services to BISE / University:-

a Selling of admission forms / job application forms. YES

b To provide printed challans. YESc Safe keeping of question papers &

answer copies. YES

CDGK Utility

As per agreement with Utility Companies.

Other Services to BISE / University:- 27

Rs.10,000/- per Branch per Exam. Can be waived with the approval of Functional Head

TelephoneWater

answer copies. YES

d Delivery of question papers to examination centres using Bank's transport.

YES

Salary Disbursement Charges.*

*Following categories of accounts are exempted from recovery of “Salary Disbursement Charges”. →Accounts of employees of Government / Semi-Government Institutions maintained for salary and pension purposes.

Salary / Pension Disbursement & Visa Collection Fee related Charges28 Rs.25/- Flat per A/c per month from A/c holder where salary is credited or as per

agreement with the principal.YES

Can be waived with the approval of Functional Head

Note:- (i) Clarification has been conveyed vide HOK Circular: P/INST/2474 dated 17-04-2008 whereby as per SBP instructions, all branches are required not to charge Challan Collection Fees in case of B.I.S.E / University / School & other such type of Collection Accounts.(ii) No service charges shall be recovered from students depositing fee directly in the Fee Collection Account of the educational institution as per HOK Circular No. P/INST/2968 dated August 19, 2009.

→Accounts of employees of Government / Semi-Government Institutions maintained for salary and pension purposes.→Accounts of Armed Forces Employees / Pensioners.→Regular Savings Accounts.→Basic Banking Accounts (BBA).

of 25

FED Applicable


ChargesDescription29 Pension (Govt. Departments) YES

30 Visa Fee Collection YES

Misc. Charges

Note:- No charges from pensioners. To be recovered from employer, as per agreement. (Pensioners of KPT are exempted from levy of this charge.)

Rs.100/- Flat per application

31 Handling charges for issuance of Student Exchange Remittance permit and maintenance of Record for subsequent remittances.

YES

32 Handling Charges on Commodity Operation

YES

a Card Chargesb Annual fee (Primary) YES

Misc. Charges

Rs.500/- Flat per annum

Rs.3.75 per 1000/-

HBL DEBIT CARD (ATM CARD) Same charges applicable on Supplementary Cards except where mentionedGreen Visa - Rs. 700/-Gold Visa - Rs.800/-Visa Chip - Rs.800/-Master Card Standard - Rs.800/-Union Pay - Rs.700/-

Part M1

c Annual fee (Supplementary) YES

Union Pay - Rs.700/-Visa USD - US$ 10/-Master Card Titanium - Rs. 1,250/=Master Card World - Rs.5,000/-Note:--Free for HBL at Work Account (charges apply for MasterCard World and Titanium)-HBL at Work (BBA Customers) are only exempted from annual fee for the first year only. Charges to apply from subsequent year.

Green Visa - Rs. 300/-Gold Visa - Rs. 400/-Visa Chip - Rs. 400/-Master Card Standard - Rs.400/-Union Pay - Rs. 300/-

d Card Replacement fee YES

e POS Transaction fee per transaction Local.

YESGreen Visa - NILGold Visa - NILVisa Chip - NIL

Green Visa - Rs. 300/-Gold Visa - Rs. 400/-Visa Chip - Rs. 400/-Master Card Standard - Rs.400/-Union Pay - Rs. 300/-Visa USD - US$ 4/-Marster Card Titanium - Rs. 600/-Master Card World - Rs.1,000/-

Union Pay - Rs. 300/-Visa USD - N/AMarster Card Titanium - Rs. 750/-Master Card World - N/A

f POS Transaction fee per transaction International

YES

Visa Chip - NILMaster Card Standard - NILUnion Pay - NILVisa USD - 1% of Transaction AmountMarster Card Titanium - NILMaster Card World - NIL

Green Visa - 4% of Transaction AmountGold Visa - 4% of Transaction AmountVisa Chip - 4% of Transaction AmountMaster Card Standard - 4% of Transaction AmountUnion Pay - 3% of Transaction AmountVisa USD - 3% of Transaction AmountMarster Card Titanium - 4% of Transaction AmountMaster Card World - 4% of Transaction Amount

of 25

FED Applicable


ChargesDescriptiong ATMs International (Cash

withdrawal)YESGreen Visa - 4% of Transaction Amount or Rs.400/- per Transaction, whichever is higher

Gold Visa - 4% of Transaction Amount or Rs.400/- per Transaction, whichever is higherVisa Chip - 4% of Transaction Amount or Rs.400/- per Transaction, whichever is higherMaster Card Standard - 4% of Transaction Amount or Rs.400/-per Transaction, whichever is higherUnion Pay - 3% of Transaction Amount or Rs.300/- per Transaction, whichever is higher

h ATMs International (Balance Inquiry)

YES

i SMS Alert Charges (POS YESNil

Green Visa - Rs. 300/- per TansactionGold Visa - Rs. 300/- per TansactionVisa Chip - Rs. 300/- per TansactionMaster Card Standard - Rs.300/- per TransactionUnion Pay - Rs. 200/- per TansactionVisa USD - US$ 3/- per TansactionMaster Card Titanium - Rs.400/- per TransactionMaster Card World - Rs.400/- per Transation

Union Pay - 3% of Transaction Amount or Rs.300/- per Transaction, whichever is higherVisa USD - 3% of Transaction Amount or US$ 3/- per Transaction, whichever is higherMarster Card Titanium - 4% of Transaction amount or Rs.400/- per Transaction whichever is higherMaster Card World - 4% of Transaction Amount or Rs.400/- per Transaction, whichever is higher

i SMS Alert Charges (POS transactions)

YES

j SMS Alert Charges (Banking transactions)

YES

k E-commerce activation charges YES

l Chip Maintenance Charges Rs. 250/= YES

Annual Premiumi Plan - A Rs. 3,500/- NOii Plan - B Rs. 3,000/- NOiii Plan - C Rs.2,000/- NO

Annual Premiumi Plan - A Rs. 3,500/- NO

A-HBL - CASH MEHFOOZMonthly Premimum

Rs. 300/-Rs. 250/-

Nil

Rs. 2,00/-

Monthly PremimumRs. 300/-

Rs.100/- per monthFree for HBL at Work Account, HBL iD and HBL Freedom Account

B- HBL - Health Plan

Upto Rs. 200 (per session)

2

i Plan - A Rs. 3,500/- NOii Plan - B Rs. 3,000/- NOiii Plan - C Rs.2,000/- NO

HBL-PARDES CARDa Card Issuance Chargesb Annual Feec Service Chargesd Card Replacement fee YESe Statement of Accountf Cash Withdrawal - HBLg Cash Withdrawal - 1 Link YESh POS Transaction Fee per Purchase

i Balance Enquiryj Fund Transfer YES

Rs. 250/-Rs. 2,00/-

Nil

Nil

Rs. 300/-

Rs.50/- Flat per transfer

Nil

Nil

Rs. 150/- Flat

Nil

Nil

3

Nil

Rs. 13/- per withdrawal

j Fund Transfer YESK Mini Statement YES

MERCHANT ACQUIRING (POS & INTERNET)

a Merchange Discount Rate YESb Set up Charges (Internet

Acquiring) YES

c Annual Maintenance Charges (Internet Acquiring)

YES

d Transaction Charges (Internet Acquiring)

YES

ATM Charges1.1 Cash Withdrawala HBL ATMs YES

Upto Rs.100,000/-

HBL ALTERNATE DELIVERY CHANNELS (ADC)

Rs.5/-

Upto Rs.50 per Transaction


Upto Rs.100,000/-

Upto 5% of Transaction Amount

Part N

4

Nil

1

a HBL ATMs YES

b 1-Link and Mnet ATMs YES

1.2 Balance Inquirya HBL ATMsb 1Link ATMsc Mnet ATMs YES

d HBL ATMs Mini Statement YES

Rs.13/- per withdrawal (Green Visa, Gold Visa, Visa Chip, Union Pay)Note: (No switch charges to be deducted on transactions conducted by IDPs through specific BISP Cards issued by UBL to IDPs at any of the ATMs country wide for withdrawal of Cash against the Financial Assistance provided to them by the Govt) Free Cash Withdrawals from other Bank's ATMs for HBL at Work Account.

NilRs.5/- Flat per inquiry (Green Visa, Gold Visa, Visa Chip, Union Pay)

Nil

Nil

Rs.5/- Flat (Green Visa, Gold Visa, Visa Chip, Union Pay)d HBL ATMs Mini Statement YESFunds TransferInter Branch Fund Transfer

Inter Bank funds transfer (IBFT)

1.4 Utility Bill Payment

Rs.100/- Flat per transferFree Funds Transfer through HBL ATMs for HBL at Work Account

1.3

Nil

YES

Rs.5/- Flat (Green Visa, Gold Visa, Visa Chip, Union Pay)

Nil

of 25

FED Applicable


ChargesDescriptionHBL Phone Banking

a Funds TransferInter Branch Fund TransferInter Bank funds transfer (IBFT) YESRs.100/- Flat per transfer

Nil

2

b Statement Request NOYESYES

d Cheque Book request NO

HBL Internet Bankinga Subscriptionb Funds Transfer

Inter Branch Fund Transfer

Nil

Rs.35/-Flat, per statement

Nil

Rs.15/- Flat per leave to be recovered at the time of issuance of Cheque Book for PLS-SB Accounts and Rs.10/- Flat per leave for all other Chequeing Accounts.Note: Freedom Account, HBL at Work, Branchless Banking, Rutba Account & Money Club Account Holders are exempted from these charges.

3

c Stop Payment of Cheque(s) Rs.400/- Flat per instruction(i) Rupee A/c (ii) F.C. A/C

Note:- Stop payment charges are to be levied one time for stop payment instructions, whether it is for one or more cheques.

US$ 10/- Flat per instruction (or equivalent in other currencies)

Inter Branch Fund Transfer

Inter Bank funds transfer (IBFT) YES

NONONONO

d Cheque Book request NO

HBL Mobile Banking with Ufone

Rs.100/- Flat per transferFree Funds Transfer through Internet Banking for HBL at Work Account

Nil

WaterRs.15/- Flat per leave to be recovered at the time of issuance of Cheque Book for PLS-SB Accounts and Rs.10/- Flat per leave for all other Chequeing Accounts.Note: Freedom Account, HBL at Work, Branchless Banking, Rutba Account & Money Club Account Holders are exempted from these charges.

Nil ElectricityUtility Bill Payment

TelephoneSui Gas

4

c

Ufonea Balance Inquiryb Mini Statementc Utility Bill Paymentd Mobile Bill Paymente Fund Transfer

Inter Bank funds transfer (IBFT)Inter Branch funds transfer

YES

HBL Branchless Banking / HBL Express

a Utility Bill Payment NOb Money Transfer

YESYES

NilNil

Money Transfer SendingRs.86/- per transactionTransfer Amount Rs. 1,001 - 2,000

Nil

Transfer Amount Rs. 1 - 1,000

5

Nil

Nil

Note:- Ufone will charge Rs.5/- plus applicable tax from customer's Ufone mobile air time for every utility bill payment transaction executed through HBL Mobile Banking with Ufone.


Rs.52/- per transactioniYESYESYESYESYESYESYESYES

ii Money Transfer Receiving

Micro Loan Repayment - First Micro-finance Bank

Rs. 0 - 4,000 YESRs. 4,001 - 7,000 YESRs. 7,001 - 10,000 YES

Transfer Amount Rs. 10,001 - 13,000

Rs.86/- per transactionTransfer Amount Rs. 2,001 - 3,000

Rs.200/- per transactionRs.250/- per transaction

Transfer Amount Rs. 1,001 - 2,000 Rs.130/- per transaction

Rs.355/- per transaction


Nil



Loan Installment Recovery (Slab) Rs.10/- per transaction

Note:- Transaction Limits (Separate for Sending & Receiving): Rs. 15,000/- per Month per CNIC




Transfer Amount Rs. 8,001 - 10,000 Transfer Amount Rs. 6,501 - 8,000

c

Rs. 7,001 - 10,000 YESRs. 10,001 & above YES

d YESe YESf YESg YES

i Money Transfer Sending YESii

h YES

Rs. 100/-

Utility Bill Payment - HBL Express Mobile Account NilMoney Transfer - HBL Express Mobile Account to HBL Express Mobile

Initial Deposit - HBL Express Mobile Account

Money Transfer Receiving NilRs.43/- per transaction

Rs.50/- per transactionRs.70/- per transaction

Cash Deposit - HBL Express Mobile Account Nil

Transfer Amount Rs. 0-Rs. 25,000/-

Money Transfer - HBL express Mobile Account to CNIC

of 25

FED Applicable


ChargesDescriptionYESYESYESYESYES

Transfer Amount Rs. 1 - 1,000 Rs.39/- per transaction

Transfer Amount Rs. 3,001 - 4,500 Rs.116/- per transactionTransfer Amount Rs. 4,501 - 6,500 Rs.138/- per transaction

iRs.65/- per transaction

Transfer Amount Rs. 2,001 - 3,000 Rs.99/- per transactionTransfer Amount Rs. 1,001 - 2,000

Money Transfer Sending

YESYESYESYESYES

ii Money Transfrer Receivingi

YESYESYESYESYESYESYESYES

Money Transfer - CNIC to HBL Express Mobile Account






i



Nil


Money Transfer Sending Transfer Amount Rs. 1 - 1,000 Transfer Amount Rs. 1,001 - 2,000 Rs.65/- per transaction



Transfer Amount Rs. 8,001 - 10,000 Rs.211/- per transactionRs.172/- per transactionRs.138/- per transaction





YESYES

ii Money Transfer Receivingj

YESYESYES

k YESl YES

mn

NODISPATCH / COMMUNICATION CHARGES

(i) Local (Within City) - Rs.30/- Flat per item.Postages Ordinary1(ii) Inland (Inter City) - Rs.50/- Flat per item.

Part O

i


Cash Withdrawal - HBL Express Mobile Account


View Mini Statement - HBL Express Mobile Account NIL

Rs.26/- per transactionWithdrawal Amount Rs. 5,001 - 15,000 Rs.52/- per transaction

Transfer in - HBL Express Mobile Account to HBL Core Banking Account NIL

Rs. 0.50/- per TransactionRs. 15/- Per Trsansaction

NIL

Balance Inquiry - HBL Express Mobile Account


Rs.78/- per transactionWithdrawal Amount Rs. 15,001 - 25,000

Treansfer Out - HBL Express Mobile Account to HBL Core Banking Account

Withdrawal Amount Withdrawal Amount Rs. 1 - 5,000

4 Foreign Courier NONONO

5 Swift

(v) For Inland LC Rs.200/- Flat per item.

Postage Registered (i) Local (Within City) - Rs.50/- Flat per item.

(iii) Foreign Rs.200/- Flat per item.(ii) Inland (Inter City) - Rs.70/- Flat per item.

(ii) L.C / Guarantee amendment and miscellaneous short messages Rs.600/- Flat(i) Full Text L.C / Guarantee and long messages.Rs.1,500/- FlatRs.1,500/- Flat per item or actual whichever is higher.

(ii) Inland (Inter City) - Rs.250/- Flat per item or actual whichever is higher.

Courier (i) Local (Within City) - Rs.150/- Flat per item or actual whichever is higher.

NO

NO

2

3

(ii) Inland (Inter City) - Rs.50/- Flat per item.

(iv) For Foreign Import LC Rs.1,200/- Flat per item.

NO6 Fax NO

i IPS Custody Service Charges

ii Security Movement against IPS Accounts

NO

YES

a Advisory Fee YESb Succession Fee YESc Retainer Fee YES

iiiOn Request Rs.50/- Flat

IPS Statement

Part Q

Nil

1

IPS Services Charges

Quarterly Free

1

Only Funds Transfer charges through RTGS as per SBP guidelines

INVESTMENT PORTFOLIO SECURITIES (IPS)

(iii) All other Swift Messages Rs.500/- Flat

Part P

Rs.100/- Flat per message.

INVESTMENT BANKING

c Retainer Fee YESd Arrangement Fee YESe Underwriting Fee YESf Participation Fee YESg Monitoring Fee YESh Commitment Charges YESi Trustee / Agency Fee YESj Out of Pocket Expenses

Negotiable on case to case basis.

At actual or Negotiable on case to case basis.

of 25

FED Applicable


ChargesDescription

IMPORTSCash Letter of Credit

a Less than Rs. 250,000/- YES1

Part R BANK CHARGES FOR GOVT. BUSINESS

0.125% of the value of the L/Cb Rs.250,000/- and above YESc Amendment without increase in

the amount.

d Amendment involving increase in the amount.

YES

a

(i) Swift Charges to be recovered(ii) Actual Confirmation Charges to be recovered, if the amendment is to add confirmation

0.0625% of the value of the L/C

Note:- The above concessionary rates/charges will apply only to those Letters of Credit, which cover imports by the Government routed through State Bank of Pakistan. In case L/C is received directly from the importing government agency, normal charges are to be recovered.

Charges as (a) or (b) above on increased amount.

Part SWhere Individuals maintaining daily average balance (Quarterly basis) of Rs.0.100 M in CD Account OR Rs.0.500 M in other Profit Earning Deposits / Accounts.Note:- Exemption in any income/commission shall require Functional Head Approval or as per any authority with limit delegated by him.

EXEMPTIONS

b

12345678

Exemptions can only be granted for charges included under the following "Parts of SOBC".

Part-J - Sale & Purchase of Securities, Safe Custody of Articles in Safe Deposits

Where Companies (Corporate / SME / Public Limited Company / Private Company / Partnership / Sole Proprietorship) and Govt. Entities, Societies, Trust etc. maintain daily average balance (Quarterly basis) of Rs.1.000 M in CD Account or Rs.10.000 M in SSB or in other Profit Earning Deposits / Accounts.Note: - Exemption in any income/commission shall require Functional Head Approval or as per any authority with limit delegated by him.

Part-G - Finances / Advances

Part-E - Remittances

delegated by him.

Part-C - Foreign Currency Remittances

Part-L - Miscellaneous ChargesPart-M - HBL Debit Card (ATM Card)

Part-F - Bills / Collection (Excluding Documentary)

Part-D - Other Charges on Foreign Exchange Transactions

89

10

Specific products of the Bank can have exemptions from charges as per their features and terms & conditions.

Note-3:- The Bank manages its relationship with clients on an individual basis. The applicability of any of the charges is part of the "Total Earnings" from the customers and is dependent on the combination of products/services availed from the Bank and correspondingly the risks associated with each customer. The rates of charges for any customer will however not exceed the rates given in this schedule of charges.

Note-4:-

Note-2:-

All Taxes / Excise Duty / With-holding Tax / Zakat / FED etc levied by the Government are to be recovered from the customers in addition to Normal Charges, wherever applicable.The applicability of FED is based on understanding of the relevant laws.

Note-1:-

Note:- Charges recovered during the quarter in case of all exemptions allowed as per Sr.No.1-10 will be refunded in the months of April, July, October & January, for the previous quarters.

Part-O - Dispatch / Communication ChargesPart-N - HBL Alternate Delivery Channels (ADC)Part-M - HBL Debit Card (ATM Card)

conditions.

Note-7:- All Financial Institutions (FIs) related charges will be approved on case to case basis by Financial Institutions - Global Trade Services ( FI - GTS).

Note-5:- All negotiable charges / waiver of any charge should be approved by Functional Head or any authorized official to whom this authority is delegated with limits.

Note-6:- All projected annual volumes to be approved by Functional Head or any authorized official to whom this authority is delegated with limits.